At Agricultural Mortgage Sources we provide the most flexible financing to purchase or refinance of a farm land and any agricultural properties in USA nationwide. Whether you farm full-time or part-time, when it’s time to apply for a real estate loan to change or expand your operation or to purchase an agricultural property it pays to work with a reliable lender you can trust.

Our real estate loans let you lock your rate for up to 30 years, helping you to manage your interest risk for the longest possible period. In addition, we make it easy for you to convert your loan as interest rates or your operation changes, without requiring complicated, complete refinancing. We also give you the power to segment your real estate loan into multiple sub-loans that equal the land purchase price, giving you different interest rates or maturities tailored to your unique situation and business plan.

Agricultural mortgage loan for rural real estates is one of the cornerstones of our business. We know farming and its challenges and we will work with you to create the farm loan that fits your business.

At Agricultural Mortgage Sources we do offer the following agricultural & farm real estate Loan Products:

Fixed Rate Loans

Our fixed rate loans are available for up to 30 years, which lets you manage your interest risk and count on consistent payments throughout the life of your loan and at the same time it gives you the flexibility to change the loan term or rate and or increase or decrease the loan amount based on your need and requirements. Most of our loan programs do not have any prepayment penalties.

Variable Rate Loans

Choose from standard monthly variable rates and adjustable rates at yearly intervals. If rates or your operational needs change, our unique conversion feature lets you update your interest rate program without the cost or time it takes to do a traditional refinancing.

Our Agricultural Fast Track Real Estate Loan Program let you borrow funds up to one million dollars for purchasing a new farm or any other agricultural properties in relatively short period of time. Buying an agricultural / farm property can be very challenging despite the critical time deadline associated with the whole purchasing process At Agricultural Mortgage Sources we provide the most flexible financing to purchase a ranch or farm land or any other agricultural properties in US nationwide.

Furthermore our very competitive interest rates and flexible agricultural mortgage loan programs will allow the existing farmers to convert their high interest rate to a lower interest rate and refinance the existing loan to a more lucrative mortgage loan program.

For more info please contact us at: 949-540-6742 or visit our website:http://www.agriculturalmortgagesources.com/

In this fast moving world, car is more than a necessity in one’s life. But having a car will not cut down half of your problems but it you can be sure you are calling for more problems in your life. Driving a car on a high way is so risky if you do not own car insurance. If you do not have car insurance and you meet with an unexpected blow, this will not only blow you up but also blow off your pocket in no time. If you are found guilty in the accident scene, you need to pay for the injured person’s injuries, his damage for the vehicle he was driving, hospital expenses and also if you are injured, you need to check up on your expenses as well. But you can avoid all these expenses with car insurance. Getting your car insured is not big deal these days.

Take Your Time And Decide

In the world of internet, you can easily figure out some way out of this. If you are looking for affordable auto insurance, you can always research before you conclude with some insurance in hand. All you got to do is, you need to check online for the websites and companies which are offering insurance and also which are within your budget. As you get into the research part of your insurance, you can look for free online insurance quote which are the best and the most reliable way to receive insurance quote. You can also request a copy of it to be mailed as you may need for future reference. Not always cheap insurance is good for you. Never go with the word cheap. They may be cheap but may leave a big hole in your pocket. So it’s better if you look for Auto insurance quotes which may come within your budget. As you get all the quotes in your email account, sit and compare the quotes form one company to another and you will discover the best one to choose from.

My name is Barbara Cohen and I am a Futures Trader – more specifically a Futures daytrader. I am the CIO of Shadowtraders.com. I first made my living off of trading 10 years ago from the viewpoint of a computer programmer, writing software for automated black boxes. Along the way, I learned about trading Futures, and why so many professional traders, especially daytraders, don’t trade the stock market any longer. Now I only trade the Futures Market. I write Futures Market software that has real time Futures Market strategies and alerts. Shadowtraders delivers an online Futures trading course that the client can do at their own pace 24/7. We also deliver Futures Market Seminars and have delivered the seminars on electronic trading inside the Chicago Mercantile Exchange (CME) where they trade Futures.

For those of you unfamiliar with trading Futures, we’ll start at the beginning. For those of you well versed in trading Futures, hang tight … you may just hear something new. The first question I get asked over and over is, “So what’s the Futures Market and why would I want to trade it?”

Wikipedia defines the Futures market as “A Futures Market is a financial exchange where people can trade Futures Contracts.” Now, what is the definition of a Futures Contract? A Futures Contract is “a legally binding agreement to buy specified quantities of commodities or financial instruments at a specified price with delivery set at a specified time in the future.”

For the moment, concentrate on the word “Contract”. What is the single most important difference between the Futures Market and the Stock Market? The Futures Market trades contracts, the Stock Market trades shares. Trading Futures, you do not purchase a “piece of a company”. A Futures Contract is an agreement between a buyer and seller to trade a financial instrument, commodity, or a currency, such as barrels of crude oil or bushels of wheat.

You can understand trading Futures Contracts commodities. An chocolate manufacturer, for example, creates a contract for 2 tons of cocoa beans at the Market price today, but does not take delivery of the beans until the following year.

How did Southwest Airlines do so well when crude oil was trading at $ 140/barrel? The other airlines had grave difficulty in surviving. Southwest was clever and arranged for crude oil Futures Contracts years earlier while crude oil was cheap. They delayed delivery until 2007-2008. I’ll bet when the price of oil is cheap again, they will make new Futures Contracts for future delivery.

Arranging Futures Contracts for airlines is not trading you say.

Any Contract to trade Futures involves some risk, and leveraging that risk against the value of the underlying asset in question.

Southwest took on some risk. The price of crude could fall well below the current price they paid (so they would have paid more than they would have needed to). Yet simultaneously, Southwest reduced their risk because they figured that oil would go higher than their contract price. In the case of Southwest, the leverage worked.

Conversely, the oil companies reduced risk, believing that crude would fall below the contract price they contracted with Southwest. Simultaneously, they acquired risk…the price of oil potentially could rise higher than their contract and they would lose additional revenue they could have been theirs). In the case of the oil companies, the leverage was not as good as it might have been.

But “I’m not Southwest Airlines, I am an individual investor. I don’t want to buy 100,000 gallons of oil. How do I trade Futures?”

The Chicago Mercantile Exchange (CME), where most Futures contracts are traded, understands that individual investors want to trade Futures just like major corporations; individual traders want to leverage their risk. They also understand that small investors are not going to risk millions of dollars on gallons of gas contracts or bushels of wheat. So the CME decided to create a trading environment that would entice individual investors to trade Futures.

Remember, as an individual investor, you have so many exchanges available to you for trading. You can trade large cap stocks on the NYSE, tech stocks on the NASDAQ, ETFs on the AMEX, and options on the CBOT. So in order to entice individual traders to trade Futures, the CME had to create an exchange that made other exchanges pale in comparison.

The CME created “E-mini Futures Contracts” specifically tailored to individual investors. The “e” in E-mini meant they are traded electronically. The CME gives you a trading platform for your desktop where your trades go straight to the CME. The “mini” means that the contract is a smaller version of the exact same contract that the larger institutions trade.

The most heavily traded CME is the S&P 500 E-mini Futures Contract. This contract trades upwards of 3million contracts daily. This E-mini is valued upon the underlying S&P 500 index, the index that represents the top 500 stocks in the NYSE. The S&P 500 index is a price-weighted index. This means that the larger companies have more “weight” or “pull” than the smaller companies and are able to move the value of the index higher or lower. However…you cannot trade an index.

But you believed that Futures Contracts were limited to commodities like wheat, rice, crude, soy.

Say you were able to trade all the top 500 stocks on the NYSE at once. Now that’s leveraging risk If two stocks did not do so well, you would still have positions in 498 other stocks. You wouldn’t be picking any one stock. You wouldn’t be spending hours researching specific stocks. You could trade all of them simultaneously. Of course, it would cost a huge fortune to trade 500 stocks. Think of buying and selling S&P 500 E-mini Futures Contracts is as if you were trading all 500 stocks at once, for a much smaller amount.

So how did the CME entice traders to trade E-mini’s? Check out the advantages of trading E-mini Futures Contracts. You’ll quickly see why many professional day traders gave up trading anywhere but the CME …

The S&P 500 E-mini contract is extremely liquid – which means that it has lots of volume, and a lot of action. A lot of volume means you can enter and exit very quickly, in as little as 1 second. When trading first began in 1997, the E-mini contract trading volume averaged 7,000 contracts / day. Today, it is not uncommon to see 3-4 million contracts trading daily.

E-minis are traded electronically, without Market Makers, unlike the NYSE. Market Makers might refuse to fill your trade. The CME book is first in first out (FIFO). That helps make trading the CME a level playing field for all traders, institutions and individuals alike, regardless if you are trading 1 contract or 100.

Commissions for E-mini Futures is based upon “Round Trip” instead of in-and-out.

The difference between the Ask price (the lowest price that a seller will sell a contract for) and the Bid price (the highest price that a buyer will pay for a contract) is one “Tick” (one price movement) on the CME. That is like 1 penny when trading stocks. That is not always the case when trading stocks.

(The minimum price difference in trading Futures between the Bid and Ask is known as a Tick. The S&P 500 E-Mini trades in 25 cent increments. 1 Tick = 25 cents. 4 ticks = 1 point. If you profit by 1 tick in your trade, the result is $ 12.50, 4 ticks = $ 50.)

Let’s look at a 1 tick — Bid / Ask spread. With Market Makers, the difference between the Bid and Ask can be more than 1 penny, especially when the Market Maker is making his living on the spread.

When you are trading E-mini Futures Contracts, it means you’ll only need to monitor 1 chart, the same chart, each day, day in and day out. Could you become a really consistent trader if you watched the same chart every day?

Stock traders watch several stock charts simultaneously, flipping the charts back and forth for in case you miss the action.

There is basically no research to do every evening. Remember, you’re trading all “500 stocks at once.” You won’t have to research this stock and that stock, worrying about pre-announcements, quarterly reporting, whisper numbers, and accounting minefields.

For Options Traders, they must be ready to deal with 4 unique conditions to be consistent: underlying price, strike price, volatility, and time decay. Traders could be correct but still have losses on their trades because they were incorrect about time. The option expired worthless before profit could be realized. Futures traders worry about 2 conditions: an advancing market or a declining market. Time decay is unimportant to Futures traders.

Margins are very favorable to Futures traders. You can trade 1 S&P 500 E-mini contract for as little as $ 400 / contract on margin. To trade stocks, at a minimum you’ll need to buy a lot of 100 shares. An average stock is $ 25/share, or $ 2500 to get in the door.

Here’s a huge difference. The SEC defines a day trade as a transaction that opened and closed within the same trading day. A “pattern day trader” is anyone who executes 4 or more day trades within a 5 day period. To day trade, you must have in your brokerage account at least $ 25,000 (or your account will be frozen for 90 days if you are caught day trading).

Day trading Futures does not have such rules. Your brokerage account requires much less capital. You can open your Futures brokerage account with just $ 2,500. This enables even small investors to trade Futures.

You can trade the E-mini futures long (expecting the contracts to go up) but you can also trade the futures short (expecting the contracts to go down). There have been bans placed on short selling financial stocks, bans on naked short selling including the 1,000 top stocks, bans on short selling stocks that are less than $ 5, etc. There are no bans on short selling Futures contracts.

There are no restrictions on short selling e-mini Futures Contracts. Why? Because these are contracts, not shares of a particular stock. As traders, we want to take full advantage of the Market’s volatility. If we cannot short, then half of trading is lost to us. We have to wait until the Market swings back up in order to enter a trade. On days when the Market is down 200 points, hmmmm…… that might be a long wait.

Trading short is especially important with the current Bear Market. There are sharp up and down moves in the S&P, DOW, and NASDAQ, perhaps more so than ever before, giving traders ample opportunities throughout the day to profit. Now is not the time to be stopped by Short selling restrictions.

You won’t need to wait for the trade to settle 2 to 3 days before you can use that money again for the next trade when Futures trading with an IRA or 401k account. As soon as you exit your trade, that same money is available for another trade. Trade stocks, exit a trade, and you may wait as long as 3 days for your money to settle in order to use that money again.

Because we are trading Futures, rules that were originally intended for commodity trades also apply to E-mini Futures trades. There is a 60/40 split on taxes: 60% of your trade is considered long term (15% tax bracket) and 40% of your trade is considered short term (28% tax bracket). Compare this to stocks. If you hold stock less than 1 year, it is considered a short term trade. You must hold the stock for over a year in order to qualify for long term capital gains. With Futures, all your trading is broken down by the 60/40 rule, even if your average trade is 2 minutes.

At the end of the year, your Futures broker will send you a 1099-b. This is a 1 liner, a net number of all your trading, not each individual trade. Say you made $ 50,000. The 1099-b will show $ 50,000. That is all it shows. Now you can claim $ 30,000 as long term capital gains and $ 20,000 as short term (60/40 split).

Doing your taxes becomes that much easier. You make just 1 entry on your tax return. Trading stocks, you need to itemize every trade you made. If you are a daytrader and trade a lot of stocks, it requires hours to enter all your trades. With Futures trading, you are done quickly.

Futures trade virtually 24/6. The only day you cannot trade Futures is Saturday. Many stocks do not trade off hours, and if they do, it is very light trading. The S&P 500 e-mini is traded all over the world. Depending upon the time of day, we can see heavy trading on the e-mini. For example, at 2:00am EST, the Japanese trade the e-mini. At 5:00am EST, the Europeans trade the e-mini. If you have insomnia or cats that get you up in the middle of the night to go out, e-mini trading is definitely for you.

There is only 1 exchange/1 book for E-mini Futures….the CME. That is unlike stocks that can trade on different exchanges and have different Bid/Ask prices on each exchange. For E-mini Futures contracts, there is just one price – the CME price. Large cap stocks may trade on multiple exchanges, each exchange posting a different price.

Futures Trading fills are guaranteed. If the price of the E-mini goes through your bid or ask, you get filled…no questions asked. This is often a problem for Forex traders, where you could be in a position waiting to exit with your offer to sell. The Forex current price goes right by your price but you do not get filled. Go read the fine print in your Forex Brokerage agreement that says they do not guarantee fills.

The CME Clearing House for trades is the guarantor to each of its clearing members and ensures trade integrity.

Futures Contractsdo not do expire worthless, with your money rolling to the new contract. That is very different than Options that expire worthless.

To wrap it up, say you are an individual investor. You have been watching the Stock Market lately and now you’re bullish. You want to get into the action because you see the Market is coming back up.

You are limited to just an investment of $ 5,000. Trading shares of stock, you know that with just $ 5,000, you could only trade one or two stocks and not daytrading. Now you need to look at doing a lot of nightly research to figure out which stock to trade.

Buying a mutual fund so you could be part of more than one or two stock moves would work. Unfortunately, given upfront load fees, your $ 5000 investment wouldn’t go far. Instead you can trade S&P 500 E-mini Futures Contracts. With $ 5,000, this could give you 5 contracts to trade ($ 2,000 – Note — never put all the money in your portfolio in 1 trade). Make 4 ticks a day, that will give you about $ 170-180/day after commissions, or $ 3,500 per month, $ 42,000 for the year. After adjusting for losses, you net $ 30,000….on your $ 2,000 investment! That equates to a gain of 1700% annually. Put the $ 5,000 in the bank and earn 3%, you’d make $ 150/year. In one day you would have gotten more than the amount the bank would give you in interest for the entire year.

And once you get into trading Futures, the S&P 500 E-mini is not the only future you can trade. The CME’s trading platform is called Globex. There are dozens of Futures Contracts available on Globex today. Want to trade gold, crude oil or gasoline? You’ll find an e-mini contract for each of those. There are e-mini’s for the NASDAQ, the DOW, or the Midcaps. And as your abilities improve, you can trade the commodities (corn, wheat, sugar, etc.).

We’ve just touched upon trading Futures Contracts…there is so much more information to be covered. This is just an introduction.

Credit repair is not firm and the very best method to improve your credit report score is to do it yourself.

Let’s take a look at 7 of the most common myths you’ll come across and examine them all in detail. Credit Repair Mythology: If I declare insolvency, I can begin my credit report all over with a clean schedule.

Many insolvency attorneys do not sufficiently understand or explain the effects of insolvency to their clients. When you file for insolvency, every credit account that you decide to include in insolvency will become an “included in insolvency” account.

Additionally, a insolvency filing and insolvency discharge listing will appear in the court records section of your credit report. Because so many negative items are attached to the insolvency, it becomes difficult to remove all traces of the insolvency. If at all possible, you should avoid insolvency at all cost. Credit Repair Mythology: There are unenthusiastic listings, such as bankruptcies and foreclosures, which are not possible to take away from the credit repair services.

There’s no type of negative credit listing that can’t be detached from a credit repair service by you. Negative items, such as insolvency or not paid debts, are certainly not easy to remove from the credit report, but this has more to do with the operational systems of the credit repair companies than with the sternness of the bad credit article.

For example, judgments and tax liens are severely negative listings, yet are easier to remove. Credit Repair Mythology: When I pay off a past-due account, such as a charge off or a set account, it will show “paid” and will no longer be negative.

It is fairly difficult to reinstate your credit without somehow fulfilling your outstanding debts. However, paying an outstanding, aberrant debt you will change the account status to “paid collection,” “paid was late,” or “paid was charged off” – which will still stand out as a very negative credit record.

Sometimes paying off a debt can actually upset you. This is one of those occasions. This type of collection accounts are allowed to stay on your credit repair services for a “maximum” of seven years.

When you have terrific debt, it is almost always sensible to seek professional credit repair service help so that you may settle your debts as creating a reasonable possibility of removal of the negative listing at the same time. Credit Repair Mythology: If I construct sufficient high-quality credit, it will counterbalance my bad credit and make me credit admirable.

Because, I was only late a pair of times. Any amount of bad credit is overwhelming to your probability of being accepted by a credit repair companies. Most credit repair companies never actually look at your credit repair services. A computer pulls your credit repair services, rates your credit rank, indebtedness, and constancy, then spits out an approval or refutation.

Even one or two sluggish payments will usually activate a credit card or personal loan refutation. The slightest quantity of negative credit will cause the attention on an auto loan to rocket. You will almost certainly find that even a little bad credit, in spite of of how much good credit repair services you have, is an intolerable blockade to credit endorsement on demand for large amounts of credit – like a mortgage loan. Credit Repair Mythology: If I succeed in deleting a negative item, it will just come right back on my credit report.

The credit repair companies have shrewdly increased this legend through the news media and government agencies. In truth, the credit repair companies will often temporarily remove a negative listing if they haven’t heard from the credit repair companies after approximately thirty days. If the credit grantor reports late, say after six weeks, and then verify the negative listing, the credit repair companies will often reinsert the negative listing on the credit repair services.

This is frequently known as a “soft delete.” Usually, though, the creditor just fails to respond and the negative listing is enduringly deleted. If the article is confirmed by the credit repair companies, either before thirty days or after, the account may still be challenged again at some future time.

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Ask the Internet Master in Web Hosting Online forums

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More and more, Louisville is a hi-tech town – it is a hub of health care for the entire eastern central region of the US, and holds over 1.3 million people in the greater city area and surrounding counties and towns; but in today’s world, it is not just medical facilities and IT companies that rely on computers and other devices for everyday business data storage; distilleries, horse stables, hardware stores and any other business you can think of generates a huge amount of essential data, and sometimes those data storage systems are compromised in one form or another.

When such events occur, whether it is from physical damage or user error, it is extremely important that you find the best qualified people, and it is even more helpful when those people are local! When you can perform this important task locally, it saves time and money – but the most important thing in data recovery is usually time that is most important.

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A lot of people register on free online dating sites. However, many fail to realize the full potential of their online dating experience.

The World of Free Online Dating

In the Internet era, the game of social interaction is crossing boundaries. It has not only brought people close but has also played a huge part in redefining the standards of dating. Dating is the most dynamic social standard. And with the advent of free online dating, the rules of the game have changed a bit while the traditional standards have taken a step down. Dating is governed by new set of ‘netiquette’! While things have changed quite a bit, the goals of free online dating are the same as traditional dating; to find love, romance and friendship in life. The game is still about the same old mating ritual. Just the methods have changed.

More and more people are cowed down by day to day pressures of work and making ends meet or funding their dream retirement home. There is so much to do and so little time. And among everything else, there is almost no time to focus on social relationships. Others, who are luckier, are either too shy or not too comfortable or assertive to go out there to find their mate, for various reasons. All in all, the result is the same. With no time for friends, family or love, more people are now lonely and thus more depressed, than in the last two decades. Thanks to technology, free online dating has made its grand entrance and come to the rescue. There is now hope for the lonely souls to find their soul-mates and discover their pot of gold at the end of the rainbow! Free online dating has made sure that love no longer eludes the deserving!

Today there are millions of people dating online. A lot of them have discovered love and happiness through fulfilling online relationships. And since age is no constraint, a lot of older people are finding free online dating a boon to their lonely lifestyles. Today, even though online dating is a reality, most people shy away from admitting to resorting to this method of meeting people, merely for the fear of lack of social acceptance from friends and family.

Many look at online dating as a mark of desperation or social failure. This is not true any longer as Internet dating is more of a necessity for people with lack of time rather than any other reason. Today, we see many niche online dating sites like “millionaire singles dating” or “single parent dating” or even “military singles dating”. These are proof enough that there are many other reasons people choose free online dating as a way to meet their match.

Earlier people believed, love and marriages are decided in heaven. While traditionalists still hold that view, it is equally true that today, thanks to technology, love and marriages are decided on the Internet! So if you are socially inept or simply do not have time, if you are too shy or embarrassed about your age or are just hoping to experiment, go out there and make the most of online dating! Free online dating is here to stay!

No matter, who you are, where you are or what age you are, you can find love with a little help from us. Register on Free Online Dating or Online Dating now and make the most of your experience here.

As a business tool, Customer Relationship Management (CRM) has always been in the eye of the storm. Although traditional systems can sometimes boast high performance values, the general results have not always been up to the mark.

While the ROI gained from a CRM software service might vary widely, some things have and might still go terribly wrong with CRM systems in the recent times, which can eventually make a sensible idea go haywire.

A lot of experts are differentiated as to why most CRM software don’t yield the expected ROI for some companies. However, there are ways using which you can ensure that your organization doesn’t end up meeting that fate.

Understand CRM and keep your expectations realistic:

Different people will give you different definitions of CRM. What most people fail to comprehend is that the basic idea behind CRM is to get close to your customers and tailor the product and service offerings of the organization as closely as possible to each individual customer’s taste.

When you misunderstand CRM, the chances of it helping you maintain friendly and loyal relationships with your customers, and eventually facilitating the growth of the company, are significantly low.

Make sure to choose the right CRM solution :

A CRM-based system allows your company to link together your various customer databases via a central database server. There are a variety of CRM software service providers in the market, and although the market is highly saturated with CRM players, only a few of them can deliver on what they promise.

Ending up with the wrong technology will not only cost your company a lot of money, but it can also potentially cripple the organization due to the lost opportunities.

As a technology, CRM software is continually evolving. Hence, it is critical for every company to thoroughly evaluate their current business processes before adopting any CRM software service.

The implementation of CRM is extremely important :

Implementation of a CRM system is a major challenge for many organizations, as they are aware of the fact that things can go wrong if the CRM software isn’t properly aligned with the operations that are occurring within an organization. The only way that implementation can work wonders for your organization is if it obtains full support from the top management.

Every organization can ensure their management’s support if they are successfully able to demonstrate how the automation processes and tools of a CRM software service can be perfectly integrated with the business.

Another place where implementation can go wrong is through insufficient training. It goes without saying that a CRM system is not independent of the employees, since they are the ones who will be operating it. The people operating CRM should be given the necessary training on how to gather the information appropriately from the system with minimal intrusion, and properly use that obtained information.

It can be difficult to measure the payoff of a CRM system. Trying to reach a conclusion early on may lead to poor decisions and judgments made by the top management. A CRM system can have a positive impact on the ROI of the company if it is implemented appropriately.

More often than not, when CRM projects fail to produce any tangible business benefits, it’s usually due to them being inappropriately implemented. A good implantation of the CRM system will give the company returns-on-investment in two major areas: improved efficiency and in the increased activity of the customer base.

Hi all I am manaswini mishra a content analyst by profession in Bangalore.I have expertise in writing Articles about our owned product Kapture CRM. This CRM software helps you in various ways (for example :- It helps employees respond to client queries very quickly, easily and effectively) This also contains every bit of details of the customer. The main purpose of our software is Customer satisfaction, time consuming and user friendly and also stores all the data provided by the costumers or employees.For more details about our product kindly visit our site: crm tools